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Premiums will increase on 1 November 2022. We'll let you know about your new premium later in the year.
Healthcare costs continue to rise due to a range of factors including increased cost of health services, the growing use and cost of medical technology, Australia’s ageing population and an increase in chronic health conditions.
However this year, we’re pausing our premium increase for 7 months, until 1 November 2022. Medibank made a commitment to return any COVID-19 claims savings back to members. The 2022 premium postponement is the next phase in our support package. Since the start of the pandemic, our $682 million financial support package has included the pause of premium increases, free days of cover and other member support options.
It was vitally important for Medibank to support our members throughout COVID-19 from a financial and health aspect. Medibank introduced a range of support programs in 2020 which continued to be available for members when they need them. More information can be found here.
Any payments made before 1 November 2022 will be at the existing 2021 rates. If you have already paid your health cover premiums in advance, your new premium won’t come into effect until your next payment is due or any payment you make after 1 November 2022, provided you don’t make certain changes to your cover during this time - this includes changing your level of cover, changing your membership category or state of residence, adding or removing a component of your cover (eg. Hospital or Extras) or reactivating your membership after a period of suspension.
My Medibank App
We’ve made it simpler for most members to stay on top of their cover with the My Medibank App. Check your limits, submit a claim for most extras, and find a Members’ Choice provider anywhere, anytime. And to avoid surprises, most members can use the out-of-pocket feature to estimate benefits and gaps for most extras claims.⁹
When you live better,
we’re all better for it
With changes to how we all work and live nowadays, there’s no better time to take advantage of our Live Better program which supports a range of free, fun and social activities online and across Australia to help keep your mind and body active, offers a digital guide to a happier, healthier you with wellbeing tips, expert advice, recipes and exercise guides and rewards you for looking after your health, no matter how you choose to do it.⁴
Are you on the right cover?
Everyone benefits from a quick health check now and then. And the same goes with your health insurance.
We know that affordability will always be important for our members. Our team is on hand to discuss options that could make your premiums more manageable. Or if your circumstances have changed since we last spoke, it may be a good time to review your cover and check if a different cover option may be more suitable.
Things you should know
¹ Overseas Health Covers excluded. Waiting periods and annual limits apply.
² Waiting periods may apply.
³ Available to all members on eligible hospital cover
⁴ Must be 18 years or over and have a valid Australian residential address to register for Medibank Live Better. Must be a Medibank member with hospital cover, extras cover, or hospital and extras cover, be up-to-date with premium payments and have signed up to Medibank Live Better with ‘My Medibank’ or have linked their MyMedibank account with their Live Better account to redeem rewards. Excludes Overseas Visitor health cover, Working Visa health cover, Overseas Student Health Cover (OSHC), Ambulance only cover, ahm covers and other selected covers. Additional terms and conditions may apply to the redemption of a reward depending on the type of reward chosen. See full Medibank Live Better terms here. NB: access to benefits/services listed above is excluded during periods of policy suspension.
⁵ Waiting periods apply. For ambulance attendance or transportation to a hospital where immediate professional attention is required and your medical condition is such that you couldn't be transported any other way. Tasmania and Queensland have state schemes to cover ambulance services for residents of those states.
⁶ Two month waiting period may apply. Limited to two dental check-ups on all extras annually. Maximum two bitewing x-rays per check-up, where clinically needed. Not available in all areas.
⁷ OSHC members should call the Student Health and Support Line on 1800 887 283.
⁸ Waiting periods apply. If your full annual optical limit is not available at time of purchase, out of pockets may apply. Both pairs must be of the same prescription. Other lens options available at an extra cost.
⁹ Claims for some types of services/items excluded. Some claims, like paper based, may take longer to update.
Our team of experts are ready to help!
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